Beware Of ‘No Healthcare Exam Required’ Life Insurance Offers

5 Nov

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I am confident you have noticed the Television commercials promising that you can get life insurance coverage from as little as $10 a month with no healthcare exams. These same Television offers also normally claim that you can get comparatively large policies for amounts of $50,000 or far more. Beware, these delivers are not the offers they look.

1st off, you will in no way be able to get the greatest coverage for the minimal quantity with these offers. The insurance business would go bankrupt if it supplied these low rates for really low premiums. Specially, with no medical exam.

The truth is that the low premium amounts will only give you a low policy. And it comes down to basic economics. Men and women who tend to get life insurance with out a medical exam are amongst the riskiest men and women to be insuring. So for big policies, rates have to be correspondingly higher.

Now you could be asking yourself why individuals who get no medical life insurance are amongst the riskiest customers around? The purpose this tends to be accurate is that men and women who are already in great or OK wellness will normally go to the difficulty of getting a healthcare exam when they life insurance because they know the prices will be decrease.

This leaves only people with currently poor health to get no healthcare life insurance. So, if an insurance firm wants to make funds from this group it has to assume that all men and women purchasing these policies statistically stand a fairly excellent possibility of cashing in their claim. This is poor news for the insurance firm because they would naturally favor not have to pay out the money.

Even so, it is also a bad deal for buyers due to the fact you end paying far more than you truly have to. If you are considering getting no medical life insurance it is most probably simply because you never feel your well being is as good as it could be. That or you are as well lazy to do a healthcare exam.

In either situation you must get a healthcare exam carried out anyway. This is very good from not only an insurance point of view but from a life one as well. After you know exactly where you stand in terms of your well being you can take actions to boost it. Bear in mind, it is never ever to late to do factors that enhance your well being.

The easiest is to cease smoking instantly, if you smoke. This one action alone could save thousands on insurance and cigarettes. Moreover, it is genuinely just great tips in common. Beyond not smoking you must attempt to keep your weight in verify, eat effectively and physical exercise regularly.

By carrying out these things you will hopefully see your wellness enhance and as a side benefit be able to qualify for decrease insurance premiums. Also, you will not have to be afraid of what an insurance well being check may say about your well being condition.

Ultimately, 1 much more way to save on life insurance is to compare insurance firm rates from several various organizations. Given that, you are (presumably) reading this on-line you can effortlessly uncover life insurance quotes on the web. Simply sort you query into Google or have a appear at the websites listed below. Each will be in a position to assist you save on all you life insurance wants.

66 Responses to “Beware Of ‘No Healthcare Exam Required’ Life Insurance Offers”

  1. Robbie January 11, 2013 at 6:48 pm #

    We’re considering life insurance coverage. I’m wondering exactly what the health check and questions are just like? What typically could it be for those who have a medical problem (like high bloodstream pressure) in comparison to for those who have a healthy body? We’re within our late 20’s.

    I didn’t remember to include, will they only request your present health during the last 6 several weeks to some year? Or perhaps is it all of your health history? I request because let us the high bloodstream pressure continues to be normal during the last 6 several weeks to some year… can they consider this within their prices?

  2. Trina January 13, 2013 at 11:47 am #

    What’s the distinction between accidental dying insurance and regular life insurance coverage? That is a better buy? Wouldn’t all deaths (excluding ailments) be accident? Should you only buy life insurance coverage and do not include accidental dying insurance then what’s usually excluded? Thanks!!!

    (I understand its different for each insurance provider, I’m just wondering what usually the final results could be)

  3. Donovan February 9, 2013 at 1:26 am #

    After getting married, do my parents need to change my status from single to married in the life insurance coverage?

    What if I will not tell them that I got married? And I will be buying my own life insurance anyway, with my husband to be.

    Sorry if I am totally ignorant about this.

  4. Richelle February 18, 2013 at 5:52 am #

    I’m 26 with 2 kids and would like to get whole life insurance started. Where is the best company to get whole life insurance from?

  5. Marietta February 22, 2013 at 9:00 pm #

    and Research Association have reported that insured households with heads of households who are 35 to 44 years old had an average of $95,900 of life insurance coverage. Assuming a normal distribution and a standard deviation of $25,000, what is the probability that a randomly selected household with a head of household in this age group had less than $70,000 in life insurance coverage. Show all calculations.

  6. Kermit March 20, 2013 at 8:43 pm #

    I’ve been working as an Insurance advisor for the last couple of years. Also, I have some tele-underwriting experience.

  7. Elanor March 21, 2013 at 1:46 am #

    My insurance company issued me a privacy policy. But it also says “…on rare occassions, we may be required to share this information; … If ordered by summons, court order, search warrant…”

  8. Terresa March 21, 2013 at 2:20 am #

    My dad is getting a BlackBerry for his work as a Manager in an insurance firm. He doesn’t have much tech savvy gave me the task of doing the research. So Im asking if other older people( 50s-60s) have had a BlackBerry Model they like. Please don’t suggest other brands of Smart Phone as he can only order BlackBerries thru work.

  9. Dian March 21, 2013 at 5:22 pm #

    I received the papers for the medical exam from canadian high commission. Is it the last thing the embassy have to check? or is it just the start of the processing of my application?

  10. Catharine March 21, 2013 at 6:00 pm #

    For instance would you have to go through the same medical exam as one would need if they were applying for citizenship?

  11. Howard March 22, 2013 at 7:15 am #

    Is person with a history of anxiety disqualified in air force medical exam?
    i wont declare this myself.

    it is their in a private hospital records where a got treated for about eight months.but in the records their is only my first name and my age. no address,telephone no. and not even my surname is mentioned in the hospital records.

  12. Cyrus March 22, 2013 at 7:15 am #

    i did not smoke any marjuana .. but i was in a car with people who were smoking it. The windows were down and everything. I have my army medical exam coming up… i dont think i inhaled any of there smoke but just incase…. what happens if i was possitive for marjuana on my army medican exam? what would happen?

  13. Queenie March 22, 2013 at 12:42 pm #

    I’ve been looking into nursing programs in my area, and they all say something about going through a medical exam before being accepted in to the program. What kind of exam is it? It also says that they make sure you are free of any communicable diseases, which makes sense, but seems vague. What exactly do they test for?

  14. Leif March 22, 2013 at 3:45 pm #

    I am colorblind, but I passed one of the tests on my first class 3 medical exam, and i do not have problems seeing lights in the air. I am planning to continue on to get my commercial license, but I’m afraid if I go to a different medical examiner, i might not pass the colorblind test. Do they give you a colorblind test for every medical exam, and are the vision tests different for class 2 and class 3?

  15. Suellen March 23, 2013 at 3:20 am #

    How long does it take after the medical exam for a spouse in canada immigration application?
    I have sponsered my husband for perminant residance and he has done the medical months ago but we haven heard anything back. We are past the online processing times but the call centre has no information. Is this a normal situation?
    We recieved the AIP Dec 12 and the medical was done mid January.

  16. Gerry March 23, 2013 at 8:21 am #

    I need to go for a medical exam for my Australian student visa. Should I stop taking birth control pills to get the check-up?

  17. Vida March 23, 2013 at 9:42 am #

    My employer has a rotating camera in the area where medical exams are done. It is supposedly to protect the medical records but it can be rotated to view directly into an area where exams are done. Is this legal? What about an expectation of privacy? In louisiana
    A door can be closed to the office that contains the medical records. No door or curtain is available to the exam area; it’s open and passes the door.

  18. Kermit March 23, 2013 at 9:42 am #

    i did my medicals in October 2011, is it possible that the visa extends beyond october 2012? that is after the 1 year expiry date of the medical exam? what are the minimum and maximum times?

  19. Glenn March 23, 2013 at 2:25 pm #

    My father was found in his chest a benign tumor by the medical exam to immigrate to Canada. He is waiting in the hospital to get the tumor removed. It is not cancer, but a big benign tumor. In this case, will Canada accept him for immigration? Will Canada consider him as a burden to the canadian medical system?

  20. Joel March 23, 2013 at 2:59 pm #

    They need to test a sample of my urine for drugs and medical conditions. Do I take a sample with me or am I expected to produce it on demand at the medical exam.

  21. Hollis March 23, 2013 at 3:04 pm #

    I’m 21,female from Philippines and i’m planning to go abroad and i’m wondering if i can pass the medical exam if i’m not virgin? How would they know that i’m not virgin anymore? Could they see during rectal exam?

  22. Kendrick March 24, 2013 at 2:45 am #

    After you ship out and head for basic training, the medical exam that follows your first day upon arriving, what happens if you fail it? I am particularly afraid that my hearing test will be a fail, i did ok at MEPS, but my hearing was a bit below average and I’m thinking i may have just got lucky on the test. What would happen if i were to fail the hearing test there?

  23. Harley March 24, 2013 at 4:30 am #

    I’m planning to take lessons to get private helicopter certification, and the first thing I have to do is get a medical exam to clear me to fly. Will this exam scan for drugs?

  24. Anderson March 24, 2013 at 5:51 am #

    In my country it is. No matter what the job is, you have to take a little medical exam (usually they just check your blood and lungs). Is it the same in the US?

  25. Augustine March 24, 2013 at 5:51 am #

    My husband is about to go for his adjustment of status medical exam. After the exam, how long will it take for it to be processed by the USCIS? Also, about how much longer till we go for the adjustment of status interview?

  26. Jarred March 24, 2013 at 7:30 am #

    Has anyone taken the Category 1 Medical Exam in Canada and if so, how hard is it to pass if your in good physical condition ( im a little skinny but fit otherwise )?

    Also, how often do you have to get the Medical Exam re-done if you 18-23 years old?

  27. Joette March 25, 2013 at 12:04 am #

    The checklist says to include proof of medical examination, but another page on the web site says that they will inform you when to get it done. I am filing for my spouse from within Canada.

    When is the best time to do the medical exam. Before or after I send out the application?
    I guess the bigger question is if I can send in my application without the medical and just wait until they ask for it? Because I was concerned about the validity of the exam expiring since the wait time is pretty long.

  28. Mark March 25, 2013 at 12:08 am #

    I currently reside in the USA and was exploring the possibilities of teaching English abroad. I was wondering if anyone knew if a medical exam/test is required for work visas?I contracted genital herpes years ago and was wondering if they take blood tests which would make me ineligible.
    Thank you to anyone who helps me with this question.

  29. Darrell March 25, 2013 at 1:17 am #

    I am 27 years old, in very good health. I have never had any medical conditions or issues and I am looking to buy life insurance. I know that medical exams are usually required for most life insurance policies, but I was just looking for about $150,000 worth of coverage and I was wondering if I would be required to undergo a medical exam?

  30. Madeleine March 25, 2013 at 1:25 am #

    I know doctors test eyesight, blood pressure, colorblind, hearing for first medical exam.
    What else do doctors/examiner test?

    Don’t get confused.


    For example: weight,

  31. Karin March 25, 2013 at 3:09 am #

    They ask for a sealed medical exam from you when you first are paying the fees and applying. Why do the ask for this? What is the purpose?

  32. Roscoe March 25, 2013 at 4:22 am #

    I have to have a medical exam to join the navy next month but hate medical exams. Can anyone tell me what will happen-will I have to undress and if so are they likely to do a pelvic exam?
    I have also herd rumors of people having rectal exams-will I have to have one?
    If anyone could help so that I will be more prepared then that would be good.

  33. Lavone March 25, 2013 at 5:18 am #

    I have to go for a medical exam for my disability claim. I have severe vertigo which limits me from working because I get this at any time of day. I also have other medical issues. I wanted to know what kind of dr examines you and how long until you find out if you got approved?

  34. Dana March 25, 2013 at 6:36 am #

    I’m have started a new job and a need a medical exam arranged by the company. Why companie want people to go through medical exams?

  35. Sal March 25, 2013 at 11:56 am #

    If a prospective employee can go to the doctor to get a medical exam, can that same person go to a dentist to show they practice good oral hygiene? I want to create a form that a dentist can sign-off stating that the prospective employee has passed. Could a regular doctor just look in someone’s mouth and make that judgement call without being a dentist? Is this going to be a problem to have a dentist or doctor certify this?

    I am guessing if the person sees a dentist at least once a year, a form maybe describing that the denstist signs off that the prospective employee has seen them in the past year should be good enough. Therefore, I am not discriminating against hygiene per say.

    Please DO NOT answer the question unless you have intentions on answering the question. Also, I want some helpful answers to this question. Not some accusations on me being discriminatory or asking me why i would want to do this. Thanks in advance!

    What would the cost of one of these exams cost to my employee? Ballpark.

  36. Danilo March 25, 2013 at 1:49 pm #

    is smoking enough? and how many should i smoke? how about drinking? can i pretend that i broke my arm?
    please give me some tips.
    i jut want to stop my contract and they won’t let me unless i fail medical exam.

  37. Lane March 25, 2013 at 4:00 pm #

    I went through an interview, a technical test, a background check now I have to go for drug screening and a medical exam. Does this mean if I pass I’ll get the job?

  38. Mi March 26, 2013 at 4:14 am #

    Can a doctor withhold medical records after a independent medical exam? Recently I had a independent medical exam after workers compensation accident and the independent doctor refuses to release the records to me personally and suggested that I contact workers compensation for the records. Can a doctor refuse a patient their own records?

  39. Austin March 26, 2013 at 5:18 am #

    I hate blood, i hate shots(but can tollerate them) and im scared of getting a prostate exam (that rubber glove is gross) so what exactally happens in the medical exam durring p-week?

  40. Cyril March 26, 2013 at 5:20 am #

    I am going to have my 3rd class medical exam for my private pilots license in the end of November. I have a big fear of needles and wondering if I need to have my blood drawn during this exam. I am only 16 and think that I am too young to have this done yet cause they are concerned about cardiovascular diease or other stuff.

  41. Jeanna March 26, 2013 at 9:55 am #

    Are there any Germans that have done their medical exam for US immigration in Germany? Can you tell me how this process works? Does immigration tell you which doctor to go to and will that doctor give you shots if you are missing one or are just missing documentation that you had the shot?

  42. Rodney March 26, 2013 at 1:44 pm #

    I start lessons this week, do I need a medical exam in order to log the hours in the air that I get from the lesson?

  43. Dick March 26, 2013 at 9:52 pm #

    I need to take the AME medical exam in order to start training to become a pilot, but I’m a little nervous. Can someone tell me what happens during the exam?

  44. Louella March 27, 2013 at 2:40 am #

    What documents do you need to bring to a medical exam?
    How old do you have to be to get one?

  45. Wayne March 27, 2013 at 3:18 am #

    If you have a health condition, is it possible to take a medical exam before lodging your visa application to Australia? Would the Australian government comment on your possibility of granting a visa? Thank you.

  46. Jerrold March 27, 2013 at 3:30 am #

    I am planning on joining either the Marines, Navy, or Army (still deciding and just figuring out which branch would be best for me). Any way, I was wondering if you can or do take the medical exam before actually enlist? Also, do you actual pick what you are going to do as a job before or after you enlist (just curious)?

  47. Mark March 27, 2013 at 3:32 am #

    Any advise to which among the clinic is better to have medical exam for Canadian Visa application here in the Philippines?

  48. Elouise March 27, 2013 at 4:15 am #

    My husband had his first appointment in May 2010 and then had his second one in October 2011. We were asked to send in more evidence that I need him and we did. On January 23rd we received a letter saying that his I-601 was approved. After that we received the instruction letter stating that we needed to send in his passaport and a new medical exam. We just sent it today. I’m wondering what this means?

  49. Garnet March 27, 2013 at 3:26 pm #

    please answer with detail, thanks.

    I took my asvab already at the end of
    last month & i’m just wondering when
    can i go to MEPS to complete the next
    step which is the medical exam.

  50. Chelsie March 27, 2013 at 5:04 pm #

    If so, could a person take the exam before moving to France, and what is it like? What would a person have to expect for the medical exam?

  51. Cecille March 27, 2013 at 9:15 pm #

    im going to be going to meps soon and was just wondering what all happens during the medical exam. what all do they do and check for? and i have seen something on bending over and them checking your balloon knot what is that? and im a girl if that helps narrow it down to what they check for because i didn’t know if it differs for girls and boys?

  52. Pilar March 27, 2013 at 10:02 pm #

    When I go in for my 3rd Class medical exam, will my AME test me for drugs?

  53. Angela March 27, 2013 at 10:17 pm #

    I have never studied medicine before and know nothing about being a doctor. Why do I need a medical exam? It’s only a desk job for a clerk.

  54. Adolfo March 28, 2013 at 11:17 am #

    Im wondering what is involved in the third class medical exam? Is there a blood test need for this?

  55. Shawnee March 28, 2013 at 7:24 pm #

    I am South-African and my boyfriend is American. We want to apply for a k1 visa. I am verry nervous about the medical exam. I have never had one. What does a full body exam include. Does it include a drug test? And a breast exam? Please help me! I would like to hear from people who have had this exam done.
    Are they the same for all country’s?

  56. Kit March 29, 2013 at 3:49 am #

    Is person with a history of anxiety disqualified in air force medical exam?

    i wont declare this myself.

  57. Arnulfo March 29, 2013 at 6:12 am #

    I joining the navy and i will soon have the medical exam…. what shoud i expect? What is the worst part of it?

  58. Jacqualine March 29, 2013 at 7:42 am #

    Do you have to have a medical exam/be inoculated as a US tourist visiting australia? Do you need a visa as well? What are the necessary things you need in order to go to Australia as a US tourist?

  59. Norbert March 29, 2013 at 11:57 am #

    Anybody out there in the Philippines with this experence,I would love for you to share with me.My fiancee has a interview date and we are wondering if the medical exam and the interview can all be done in the same week.I talk to the US Embassy and was told 2 different answers( 1 week before the interview) and ( can be done within the same week)…….PLEASE Help!

  60. Jamila April 27, 2013 at 4:32 am #

    Hi, i’ve visited the Bi website, the Philippine Consul here in U.S. and i havent found any details about the medical exam requirment and the chest xray exam for the 13a visa.

    I need to know in detail what kind of medical exam is needed and where i can get one done here in the U.S. for cheap. Do i need it notarized and signed by the Doctor??

    As for the Chest X-Ray, what type of xray is needed for this 13a visa, where can i get one cheaply and do i need a copy?

    One more…the police clearance check, will the BI accept a local or federal police background check? does it need to be notarized? And Do i need to be fingerprinted (all fingers with thumb) ??


    An American planning to relocate and reside in Cebu.

  61. Krysta May 29, 2013 at 4:52 pm #

    I’m using a financial advisor to purchase term life insurance. He recommended life insurance company A. I did the medical exam. The medical report is sent to company A, who forwarded me a copy. However, it turned out I’m not happy with the quote from company A and asked my advisor to shop around for more quotes from other companies. He asked me for a copy of the medical report so he can forward to company B, C, and D when he request quotes from them. Is it a good idea to give away my medical report (covered by HIPAA) to him and those other insurance companies?

  62. Marinda June 5, 2013 at 3:27 am #

    I want to know if when taking the immigration medical exam do they test for drugs..cocaine using blood or urine?

  63. Torie June 21, 2013 at 5:07 am #

    I’ll be studying in France on a long-stay student visa this coming academic year and have to get a medical exam at the Office of Immigration and Integration. Has anyone had this exam? What tests/procedures are done?

  64. Buster July 14, 2013 at 3:25 pm #

    My wife will be going for a Immigration medical exam soon and I would like to know if a PAP test is done or required. She has never gotten one before. Would love your help. Thanks guys.

  65. Jamila July 23, 2013 at 3:00 pm #

    i am 15 and i live in Australia i am going for my ppl and need a type 2 medical exam what is in it?
    Thanks Guy

  66. Lenny August 1, 2013 at 6:09 pm #

    I am over 60 and I need life insurance but I don’t want a medical exam. I just want something to pay my funeral so my kids will not have to suffer from the cost. Is global life insurance good or is there aything else out there that I can get?

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